This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Globally diversified value tilted portfolio blending stocks gold and bitcoin with efficient risk balance

Report created on Mar 24, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is mostly global equities at 85%, with 10% in gold and 5% in bitcoin. The core is a broad global ETF at 50%, complemented by two value-tilted stock funds totaling 30%, plus a 5% listed real estate slice. This structure combines a simple “one big core” approach with a few targeted satellites. That’s helpful because the core provides broad market exposure while the satellites add distinct tilts in style, size, regions, and alternative assets. Overall, this looks like a deliberately built, balanced profile: strong growth exposure from stocks and bitcoin, with some ballast from gold and the diversified nature of the world ETF.

Growth Info

Historically, a €1,000 example grew to about €1,218, giving a Compound Annual Growth Rate (CAGR) of 14.35%. CAGR is like your average speed on a road trip: it smooths the ups and downs into one yearly rate. Over the same period, the US market returned 7.86% and the global market 9.29%, so this portfolio outpaced both. Max drawdown, the worst peak-to-trough drop, was -19.01%, actually smaller than both benchmarks. That’s a very nice mix: better returns with slightly smaller worst decline. Just keep in mind the backtest covers less than two years, so these numbers are informative but not a reliable guide to the long run.

Projection Info

The Monte Carlo projection simulates many possible future paths by mixing and reshuffling past daily returns, then compounding them over 10 years. It’s like running a thousand alternate timelines to see a range of outcomes. Here, the median scenario shows very strong growth, with the 50th percentile cumulative return above 450%, and only 29 simulations ending negative. The annualized simulated return is 16.21%, which is higher than most long-term equity assumptions. However, the simulation is based on less than two years of data, during a specific market environment. That makes the projection optimistic and less reliable; it should be treated as a rough illustration, not a forecast.

Asset classes Info

  • Stocks
    85%
  • Crypto
    5%

Asset class allocation is dominated by stocks at 85%, with 5% in crypto and around 10% in gold. That mix is consistent with a growth-focused but not ultra-aggressive profile, especially given the meaningful gold allocation. Stocks drive long-term return potential, while gold often behaves differently from equities and can soften some market shocks. Bitcoin adds a distinct, high-volatility growth component that can swing overall results more than its 5% weight suggests. Compared with typical balanced allocations, this leans more toward growth assets and alternatives, but the inclusion of gold helps keep it anchored. For most investors, this sits between “balanced” and “growth” in spirit.

Sectors Info

  • Technology
    19%
  • Financials
    14%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Real Estate
    6%
  • Energy
    6%
  • Health Care
    6%
  • Telecommunications
    5%
  • Crypto
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    2%

Sector-wise, the portfolio spreads across many areas, with technology around 19% and financial services about 14%. Industrials and consumer cyclicals sit near 9%, while real estate, energy, healthcare, crypto, materials, and defensive sectors each have mid-single-digit weights. Utilities are small at about 2%. This distribution is pleasantly broad, and the sector composition broadly resembles global equity benchmarks, which is a strong indicator of diversification. A tech and growth-linked tilt remains visible through the big underlying companies, but nothing appears wildly concentrated. The practical takeaway: the portfolio should participate in a wide range of economic environments rather than hinging on a single sector theme.

Regions Info

  • North America
    47%
  • Europe Developed
    15%
  • Asia Developed
    8%
  • Asia Emerging
    5%
  • Japan
    5%
  • Latin America
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%

Geographically, roughly 47% of exposure is in North America, with 15% in developed Europe and additional slices in developed and emerging Asia, Japan, and smaller regions. This is reasonably close to global market weights, where North America also dominates but not to an extreme degree. That alignment with global standards is positive: it reduces reliance on any one region’s economic or political situation. Notably, there is meaningful exposure to emerging markets, which adds growth potential and different economic drivers, though with more volatility. Compared with a home-biased portfolio, this is nicely global, which can help smooth country-specific shocks over the long term.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    23%
  • Mid-cap
    15%
  • Small-cap
    8%
  • Micro-cap
    5%

By market capitalization, the portfolio is anchored in mega and big companies (about 56%), with medium, small, and micro caps making up the rest. That means more than half the holdings are large, established businesses, which tend to be more stable and liquid. The smaller-cap exposure, especially via the global small cap value fund, brings in higher expected long-term return potential and different risk drivers, at the cost of bumpier short-term moves. This combination is well-balanced and aligns closely with global standards, yet still ventures into less-followed parts of the market. The result is a good blend of stability from giants and extra growth and diversification from smaller firms.

True holdings Info

  • NVIDIA Corporation
    2.53%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Apple Inc
    2.30%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Microsoft Corporation
    1.63%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.55%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Amazon.com Inc
    1.18%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Alphabet Inc Class A
    1.06%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • SK Hynix Inc
    0.91%
    Part of fund(s):
    • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
  • Alphabet Inc Class C
    0.89%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Broadcom Inc
    0.84%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Meta Platforms Inc.
    0.83%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Top 10 total 13.71%

Looking through the ETFs, the biggest underlying names are familiar large global companies, with NVIDIA, Apple, and Microsoft leading. These each sit around 1–2.5% of the total, which is moderate and shows no single company dominates. Because several of these giants appear inside multiple funds, there is some hidden overlap, but at current levels it does not look extreme. Coverage is only about 20% of the whole portfolio (ETF top 10s only), so overall overlap is likely higher than shown. The takeaway: there is a tilt toward mega-cap global leaders, especially in tech-related names, but it remains sensibly spread across many businesses.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 30%
Size
Exposure to smaller companies
Low
Data availability: 65%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 5%

Factor exposure shows strong tilts toward value, momentum, and to some extent low volatility. Factors are underlying characteristics like “cheap vs. expensive” (value) or “recent winners” (momentum) that academic research links to long-term returns. A high value exposure means the portfolio leans toward companies priced attractively relative to fundamentals; this can lag in growth-led rallies but often helps when expensive stocks stumble. Momentum tilt tends to do well in strong, trending markets but can hurt during sharp reversals. Low volatility bias can slightly cushion drawdowns in turbulent times. Average signal coverage is moderate, so the readings aren’t perfect, but overall this looks like a thoughtful, evidence-based factor mix.

Risk contribution Info

  • SPDR® MSCI World UCITS ETF EUR
    Weight: 50.00%
    52.0%
  • Avantis Global Small Cap Value UCITS ETF USD Acc EUR
    Weight: 15.00%
    17.6%
  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD
    Weight: 15.00%
    15.1%
  • Invesco Physical Bitcoin ETN EUR
    Weight: 5.00%
    8.9%
  • Xetra-Gold
    Weight: 10.00%
    4.0%
  • Top 5 risk contribution 97.6%

Risk contribution, the share of overall ups and downs each position adds, is slightly more concentrated than the weights. The world ETF at 50% weight contributes about 52% of total risk, which is very proportional. The two 15% equity satellites together contribute over 32% of risk, a bit above their combined weight, reflecting their smaller-cap and value tilts. Bitcoin is notable: at only 5% weight it contributes nearly 9% of risk, showing its high volatility. Gold contributes much less risk than its 10% weight. The big picture: risk is mostly where you’d expect it—global stocks and value tilts—with a small but punchy role for bitcoin.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

On the risk–return chart, the current portfolio lies on the efficient frontier, meaning that for its overall mix of holdings, the weights are already efficient. The Sharpe ratio—return per unit of risk—is about 0.9, similar to the minimum-variance mix but lower than the mathematically “optimal” highest-Sharpe allocation. Interestingly, the model suggests you could target higher returns at the same or slightly higher risk through different weights in the existing holdings. But the “optimal” solution implies very aggressive tilts that may not feel comfortable or realistic in practice. The reassuring news: you’re already on the frontier, so there’s no glaring inefficiency, just room for fine-tuning if desired.

Ongoing product costs Info

  • iShares Edge MSCI EM Value Factor UCITS ETF USD (Acc) USD 0.40%
  • Xtrackers FTSE Developed Europe Real Estate UCITS ETF 1C 0.33%
  • SPDR® MSCI World UCITS ETF EUR 0.12%
  • Weighted costs total (per year) 0.14%

The weighted average ongoing cost (TER) is impressively low at about 0.14%. That’s a major strength. Fees are like a slow leak from a bucket: even small differences compound a lot over decades. With the core world ETF at 0.12% and the others in a reasonable range, the portfolio keeps costs firmly under control while still using more specialized factor and regional exposures. Low costs mean more of any market return actually stays in the portfolio, supporting better long-term performance. From a cost perspective, this setup is already very efficient and matches best practices often seen in evidence-based, index-tilted strategies.

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